ESL overdraft fee
ESL Federal Credit Union's personal fee schedule prints $0.00 for an insufficient or uncollected funds fee, $5.00 for Courtesy Pay, and $5.00 for a point of sale overdraft when the purchase is over $5.01. A purchase of $0.01 to $5.00 is $0.00. CheckOK, which pulls the overdraft from savings, is $5.00. The wider list is overdraft fees at US credit unions. Every overdraft guide is on overdraft fee guides.
Last updated: October 22, 2026
Last checked: Oct 2026
What the fee schedule prints
Opened 22 October 2026. The dollars are on ESL's personal fee schedule. The PDF does not print an effective date on the pages opened. Insufficient or uncollected funds is $0.00. Courtesy Pay is $5.00. A point of sale overdraft is $0.00 when the purchase amount is $0.01 to $5.00, and $5.00 when the purchase amount is greater than $5.01. That is the split the schedule prints. CheckOK, an overdraft from savings, is $5.00. Returned items are $10.00 on their own row, separate from the $0.00 insufficient funds fee. An international service assessment is 1% of the transaction amount for an ESL ATM card, ESL Visa debit card, and ESL Visa credit card transaction.
The schedule does not print a count of Courtesy Pay fees allowed in one day. Do not copy another credit union's daily cap onto ESL. Premier Checking is $10.00 in a month when the average balance is under $1,000. A stop payment is free. An incoming domestic or foreign wire is $15.00. An outgoing domestic wire is $25.00 and an outgoing foreign wire is $45.00.
A fee already charged is a request. ESL can say no. The US list is US bank fee guides.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What ESL prints |
|---|---|
| Insufficient or uncollected funds | $0.00 |
| Courtesy Pay | $5.00 |
| Point of sale overdraft, $0.01 to $5.00 | $0.00 |
| Point of sale overdraft, over $5.01 | $5.00 |
| CheckOK from savings | $5.00 |
| International service assessment | 1% of the transaction amount |
Questions
- How much is an ESL Courtesy Pay fee?
- The personal fee schedule prints $5.00 for Courtesy Pay. An insufficient or uncollected funds fee on the same schedule is $0.00.
- Does ESL charge for a small debit overdraft?
- A point of sale overdraft is $0.00 when the purchase is $0.01 to $5.00. It is $5.00 when the purchase is greater than $5.01.
- What is the ESL international service assessment?
- The schedule prints 1% of the transaction amount for an ESL ATM card, ESL Visa debit card, and ESL Visa credit card transaction.
Sources
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